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Howdy, Luke,

I like your overall thinking. You'll do well.

And I HEAR YOU on the tone of the ADVERTISEMENTS!!!! It is just getting FLAT OBNOXIOUS as newsletter people seem to THINK that SPEAKING LOUDER MEANS BETTER COMMUNICATION! In reality, it makes them sound like carny shills. It's like they're going after the moron market, which is very odd because their potential customer base doesn't include very many morons.

Now. Here's my creative suggestion. Divide your investable money up in some proportion: say, 70/30%, two portfolios. Invest the 70% in index funds to your taste. Meanwhile, subscribe to one of the publications, whichever is best suited to your style. Read it, digesting it thoroughly without buying anything, until New Year's. On the first trading day after New Years, note:

--The dollar amount the 30% began with
--The status of the indices on that day (whichever ones you consider relevant).

Then begin investing according to the newsletter. Do that through 2008. Buy, sell, whatever, but withdraw no money from the active investing account. Reinvest dividends or not; it's up to you how you do it.

As the markets close for the New Year's holiday to welcome 2009, note your dollar amount and the indices to finish the year. See how they did, and how you did. If you beat the indices, then you have grounds to believe the newsletter is a good method that you're using sensibly. If you did not beat the indices, consider canceling the newsletter and unloading the portfolio to buy index funds.

Either way, you'll have your savings for that year sitting by in cash. If you're winning with the newsletter, you'll have some ready capital to invest as you see fit. If not, you can buy index funds with that too. Either way you'll have made a little money with it that year in the MMA.

Good hunting. Get your FY money.
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